Gap Bill

What to Do When You Can’t Pay Your Gap Bill

As many chain department stores offer store credit cards that supply rewards to customers who shop frequently, Gap has a reward program as well. A customer may sign up for a GapCard, Gap Silver Card or Gap Visa Card. Each card comes with a different set of regulations, and a different level of reward opportunities. Reward incentives can be a great way to score a deal, but they can also help debt sneak into your life. If you are more inclined to be a shopper naturally, the sale ads and email advertisements that sound “too good to be true” may be a downfall for your bank account. Upon approval of the GapCard or Gap Visa Card, you are eligible to save 15% off of your first purchase.

If you are accepted to receive one of these cards, you’ll be able to check your statements online (at any time), make payments online, check your rewards, and add another authorized user to the card. With any of these cards you will also get a notice in advance, informing you of certain sales or events that are coming to the store or online store. Every Tuesday you may get 10% off at Gap, Old Navy, and Piperlime. You will also get a special savings for your birthday.

A Gap Visa Card is accepted anywhere that Visa is accepted, making it double as a normal credit card, rather than just being able to be used at Gap alone. The Gap Visa Card lets the user earn reward points with each purchase he or she makes.

A GapCard (Gap store card) can only be used in the Gap, Old Navy, Banana Republic, Piperlime, and Athleta stores. The GapCard allows the cardholder to gain points with each purchase he or she makes, using the card.

The Gap Silver card is only available to customers who spend $800 and above on their GapCard or Gap Visa Cards. The card/rewards are only valid in the same calendar year as when you were approved for your Gap Silver card. If accepted, you will receive all the benefits listed above, as well as the premiere benefits listed below. If you are eligible to apply for a Gap Silver Card, you can enjoy benefits such as: free shipping on all online purchases, 15% off Choose Your Own Sale Day offer, Free basic alterations on all Banana republic purchases, Exclusive toll-free Silver priority line, and Silver-only offers and shopping events like Triple Point Days.

Rewards program for the Gap Visa Card and the GapCard

5 points per every $1 spent at Gap, Banana Republic, Old Navy, Piperlime and Athleta

To make a payment online, you will need the following information: your bank name, your checking account number, and your bank routing number (all of these items can be found on one of your personal checks). You can begin paying as soon as you enroll. Your online payment will post to your account within 72 hours from the day you initiate your payment.

Mail in Payment: To pay your Gap bill by mail, send a personal check or money order with your account number to:

Gap/GEMB
P.O. Box 530942
Atlanta, GA 30353-0942

Phone Payment: Gap does offer a payment by phone service, but there is a $10 fee charged each time a payment is made by phone. Call 1-800-887-1198 to make your payment by phone.

Questions About Your Billing Statement or Account?

Gap credit cards are issued by GE Money Services or GE Retail Bank (same company.) Information about late payment fees and annual percentage rates are available from the Terms and Conditions page. Customer service representatives with GE Money can answer all cardmember questions at 1-800-887-1198.

How the Penalty Fees Work

To avoid late payment fees, pay at least the minimum payment by the payment due date shown on your statement. To avoid interest charges, pay your bill within 26 days of the billing date shown on your statement each month. Possible penalty fees include:

Cash Advance Fee: $10 or 4% of the cash advance, whichever is greater.

Late Payment Fee: Up to $35.

Balance Transfer Fee: $5 or 3% of the transferred amount.

I Can’t Make a Payment:

Many Gap customers have stated that they have had trouble receiving their bills and have had difficulty dealing with associates about their payments. It is important for you, as a customer to keep track of your payments. Several customers complained about their Gap bills not arriving and then suddenly all arriving at once.

If you are having financial difficulty and you can’t make your Gap payment on-time, contact customer service. the customer service phone number is 1-800-887-1198.

Will They Work With Me to Pay My Bill?

We currently do not have any information from customers about whether Gap customer service will work with customers to help them pay off their bills. Please leave a comment below if you have had a negative or positive experience with Gap customer service and paying your bill.